EP2534622A4 - Appareil et procédé de présentation et de paiement de factures - Google Patents
Appareil et procédé de présentation et de paiement de facturesInfo
- Publication number
- EP2534622A4 EP2534622A4 EP11742854.0A EP11742854A EP2534622A4 EP 2534622 A4 EP2534622 A4 EP 2534622A4 EP 11742854 A EP11742854 A EP 11742854A EP 2534622 A4 EP2534622 A4 EP 2534622A4
- Authority
- EP
- European Patent Office
- Prior art keywords
- payment
- bill presentment
- presentment
- bill
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Withdrawn
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/14—Payment architectures specially adapted for billing systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US30372510P | 2010-02-12 | 2010-02-12 | |
US201161438106P | 2011-01-31 | 2011-01-31 | |
PCT/US2011/024498 WO2011100529A1 (fr) | 2010-02-12 | 2011-02-11 | Appareil et procédé de présentation et de paiement de factures |
Publications (2)
Publication Number | Publication Date |
---|---|
EP2534622A1 EP2534622A1 (fr) | 2012-12-19 |
EP2534622A4 true EP2534622A4 (fr) | 2015-07-15 |
Family
ID=44368142
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
EP11742854.0A Withdrawn EP2534622A4 (fr) | 2010-02-12 | 2011-02-11 | Appareil et procédé de présentation et de paiement de factures |
Country Status (4)
Country | Link |
---|---|
US (2) | US8595134B2 (fr) |
EP (1) | EP2534622A4 (fr) |
RU (1) | RU2581784C2 (fr) |
WO (1) | WO2011100529A1 (fr) |
Families Citing this family (94)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
EP1501057A1 (fr) * | 2003-07-21 | 2005-01-26 | Sap Ag | Procédé et application logicielle et système pour le traitement automatisé de factures |
US9047601B2 (en) * | 2006-09-24 | 2015-06-02 | RFCyber Corpration | Method and apparatus for settling payments using mobile devices |
US20130325710A1 (en) * | 2011-03-21 | 2013-12-05 | Deepak Hoshing | System and method for rule-based presentment and payment of bills or invoices |
WO2012142315A2 (fr) | 2011-04-13 | 2012-10-18 | Visa International Service Association | Routage de messages à l'aide d'identifiants de destinataires logiquement indépendants |
US8725639B1 (en) * | 2011-06-20 | 2014-05-13 | Amazon Technologies, Inc. | Coupling prepaid debit cards to online stored-value accounts |
US10692061B2 (en) * | 2011-07-18 | 2020-06-23 | Deluxe Corporation | System and method for switching of financial accounts between financial institutions |
US8745157B2 (en) | 2011-09-02 | 2014-06-03 | Trading Technologies International, Inc. | Order feed message stream integrity |
US10108937B2 (en) * | 2011-09-14 | 2018-10-23 | Sk Planet Co., Ltd. | Method of registering a membership for an electronic payment, system for same, and apparatus and terminal thereof |
US8762468B2 (en) | 2011-11-30 | 2014-06-24 | At&T Mobility Ii, Llc | Method and apparatus for managing communication exchanges |
WO2013105941A1 (fr) * | 2012-01-11 | 2013-07-18 | Intel Corporation | Coffre-fort de fichiers et service notarial de documents basé sur un nuage |
US10395247B2 (en) | 2012-03-07 | 2019-08-27 | Early Warning Services, Llc | Systems and methods for facilitating a secure transaction at a non-financial institution system |
US10395223B2 (en) | 2012-03-07 | 2019-08-27 | Early Warning Services, Llc | System and method for transferring funds |
US10318936B2 (en) | 2012-03-07 | 2019-06-11 | Early Warning Services, Llc | System and method for transferring funds |
US10970688B2 (en) | 2012-03-07 | 2021-04-06 | Early Warning Services, Llc | System and method for transferring funds |
US20130238488A1 (en) | 2012-03-07 | 2013-09-12 | Clearxchange, Llc | System and method for transferring funds |
US11593800B2 (en) | 2012-03-07 | 2023-02-28 | Early Warning Services, Llc | System and method for transferring funds |
US20130268435A1 (en) * | 2012-04-10 | 2013-10-10 | Ebay Inc. | Friendly funding source messaging |
US20130332349A1 (en) * | 2012-06-07 | 2013-12-12 | Bank Of America | Atm for use with cash bill payment |
BE1020616A3 (nl) * | 2012-12-26 | 2014-01-07 | Doccle Up | Werkwijze voor opslag en bevraging van digitale bestanden. |
US20140214675A1 (en) * | 2013-01-25 | 2014-07-31 | Pankaj Sharma | Push payment system and method |
US9280252B1 (en) | 2013-03-08 | 2016-03-08 | Allstate Insurance Company | Configuring an application task list of an application based on previous selections of application tasks |
US9922311B2 (en) | 2013-03-15 | 2018-03-20 | Mastercard International Incorporated | Account mask identifier apparatus, method, and computer program product |
US20150066753A1 (en) * | 2013-08-30 | 2015-03-05 | Mastercard International Incorporated | Bill pay system using bill pay code |
US9639830B2 (en) * | 2014-03-10 | 2017-05-02 | Aliaswire, Inc. | Methods, systems, and devices to dynamically customize electronic bill presentment and payment workflows |
US10504075B2 (en) * | 2014-03-10 | 2019-12-10 | Aliaswire, Inc. | Methods, systems, and devices to dynamically customize electronic bill presentment and payment workflows |
US20150269558A1 (en) * | 2014-03-19 | 2015-09-24 | Cox Communications, Inc. | Systems and Methods of SMS Bill Payment Rewards |
US9652770B1 (en) | 2014-04-30 | 2017-05-16 | Wells Fargo Bank, N.A. | Mobile wallet using tokenized card systems and methods |
US11461766B1 (en) | 2014-04-30 | 2022-10-04 | Wells Fargo Bank, N.A. | Mobile wallet using tokenized card systems and methods |
US20150324902A1 (en) * | 2014-05-06 | 2015-11-12 | Bank Of America Corporation | Adapting an Alert Notification According to User Data |
US20150324899A1 (en) * | 2014-05-06 | 2015-11-12 | Bank Of America Corporation | Developing an Automated Alert Notification Plan for a User |
US20150324873A1 (en) * | 2014-05-09 | 2015-11-12 | Factor Systems, Inc. | System and method for automatically transitioning customers from one service to another service |
US10373154B2 (en) | 2014-05-19 | 2019-08-06 | Mastercard International Incorporated | Apparatus, method, and computer program product for settlement to a merchant's card account using an on-line bill payment platform |
ES2748177T3 (es) * | 2014-06-02 | 2020-03-13 | Nokia Solutions & Networks Oy | Soporte de restablecimiento de IMS para GRUU temporal |
US10878387B2 (en) | 2015-03-23 | 2020-12-29 | Early Warning Services, Llc | Real-time determination of funds availability for checks and ACH items |
US10832246B2 (en) | 2015-03-23 | 2020-11-10 | Early Warning Services, Llc | Payment real-time funds availability |
US10748127B2 (en) | 2015-03-23 | 2020-08-18 | Early Warning Services, Llc | Payment real-time funds availability |
US10839359B2 (en) | 2015-03-23 | 2020-11-17 | Early Warning Services, Llc | Payment real-time funds availability |
US10769606B2 (en) | 2015-03-23 | 2020-09-08 | Early Warning Services, Llc | Payment real-time funds availability |
US10621567B2 (en) | 2015-07-01 | 2020-04-14 | Mastercard International Incorporation | Electronic grace period billing |
US10311413B2 (en) * | 2015-07-01 | 2019-06-04 | Mastercard International Incorporated | By-item bill payments |
US10535067B2 (en) | 2015-07-01 | 2020-01-14 | Mastercard International Incorporated | Electronic incremental payments |
US11062290B2 (en) | 2015-07-21 | 2021-07-13 | Early Warning Services, Llc | Secure real-time transactions |
US10970695B2 (en) | 2015-07-21 | 2021-04-06 | Early Warning Services, Llc | Secure real-time transactions |
US11151523B2 (en) | 2015-07-21 | 2021-10-19 | Early Warning Services, Llc | Secure transactions with offline device |
US10963856B2 (en) | 2015-07-21 | 2021-03-30 | Early Warning Services, Llc | Secure real-time transactions |
US10956888B2 (en) | 2015-07-21 | 2021-03-23 | Early Warning Services, Llc | Secure real-time transactions |
US10438175B2 (en) | 2015-07-21 | 2019-10-08 | Early Warning Services, Llc | Secure real-time payment transactions |
US11037121B2 (en) | 2015-07-21 | 2021-06-15 | Early Warning Services, Llc | Secure real-time transactions |
US11157884B2 (en) | 2015-07-21 | 2021-10-26 | Early Warning Services, Llc | Secure transactions with offline device |
US11386410B2 (en) | 2015-07-21 | 2022-07-12 | Early Warning Services, Llc | Secure transactions with offline device |
US11037122B2 (en) | 2015-07-21 | 2021-06-15 | Early Warning Services, Llc | Secure real-time transactions |
US11151522B2 (en) | 2015-07-21 | 2021-10-19 | Early Warning Services, Llc | Secure transactions with offline device |
US9612810B2 (en) * | 2015-08-25 | 2017-04-04 | International Business Machines Corporation | Profile-based per-device code optimization |
US20170109717A1 (en) * | 2015-10-15 | 2017-04-20 | Paypal, Inc. | Secure sms / email tokenization systems |
US11288245B2 (en) | 2015-10-16 | 2022-03-29 | Microsoft Technology Licensing, Llc | Telemetry definition system |
US10929272B2 (en) * | 2015-10-16 | 2021-02-23 | Microsoft Technology Licensing, Llc | Telemetry system extension |
US11386061B2 (en) | 2015-10-16 | 2022-07-12 | Microsoft Technology Licensing, Llc | Telemetry request system |
US10417632B2 (en) * | 2015-10-23 | 2019-09-17 | Openpay, S.A.P.I. de C.V. | System and method for secure electronic payment |
US10210515B2 (en) * | 2015-11-23 | 2019-02-19 | Mastercard International Incorporated | Systems and methods for use in verifying recurring transactions to payment accounts |
US10853898B1 (en) * | 2016-01-02 | 2020-12-01 | Mark Lawrence | Method and apparatus for controlled messages |
US10699255B1 (en) * | 2016-04-04 | 2020-06-30 | United Services Automobile Association (Usaa) | Efficient propagation of user data across disparate systems |
US11144928B2 (en) | 2016-09-19 | 2021-10-12 | Early Warning Services, Llc | Authentication and fraud prevention in provisioning a mobile wallet |
US10558977B2 (en) | 2016-09-26 | 2020-02-11 | Mastercard International Incorporated | System and method for linking bill payment service with remittance |
US20180240128A1 (en) * | 2017-02-20 | 2018-08-23 | Uber Technologies, Inc. | Service request matching based on provider compliance state |
US10701759B2 (en) | 2017-05-19 | 2020-06-30 | Uber Techologies, Inc. | Predictive location selection transportation optimization system |
US10628211B2 (en) * | 2017-06-15 | 2020-04-21 | Mastercard International Incorporated | Systems and methods for asynchronously consolidating and transmitting data |
WO2019022716A1 (fr) * | 2017-07-25 | 2019-01-31 | Visa International Service Association | Données d'appariement croisé en temps réel |
US20190095915A1 (en) * | 2017-09-28 | 2019-03-28 | Mastercard International Incorporated | System and method for managing recurring payments |
US10628809B2 (en) | 2017-10-27 | 2020-04-21 | Mastercard International Incorporated | Automated enrollment of a user in an automatic updating program |
US10963871B2 (en) | 2017-11-22 | 2021-03-30 | Mastercard International Incorporated | Bin-conserving tokenization techniques generating tokens in reverse order and employing common device pan with differing pan sequence number values across token instances |
US10564796B2 (en) | 2017-12-14 | 2020-02-18 | Mastercard International Incorporated | Haptic interaction |
US10877560B2 (en) | 2017-12-22 | 2020-12-29 | Mastercard International Incorporated | Haptic feedback for authentication and security in computer systems |
US11544781B2 (en) | 2017-12-23 | 2023-01-03 | Mastercard International Incorporated | Leveraging a network “positive card” list to inform risk management decisions |
RU2684494C1 (ru) * | 2018-03-30 | 2019-04-09 | Публичное Акционерное Общество "Сбербанк России" (Пао Сбербанк) | Система мониторинга технического состояния сети pos-терминалов |
WO2019232169A1 (fr) | 2018-05-30 | 2019-12-05 | Jpmorgan Chase Bank, N.A. | Système et procédé de paiement à l'aide de produits de crédit |
US11204648B2 (en) | 2018-06-12 | 2021-12-21 | Mastercard International Incorporated | Handshake to establish agreement between two parties in virtual reality |
US11070448B2 (en) * | 2018-08-15 | 2021-07-20 | The Toronto-Dominion Bank | Provisioning server for automated data provider provisioning and associated methods |
US11599862B1 (en) * | 2018-08-30 | 2023-03-07 | Wells Fargo Bank, N.A. | User interface for a biller directory and payments engine |
US20200134731A1 (en) * | 2018-10-24 | 2020-04-30 | Tata Consultancy Services Limited | System and method for backdated transaction processing with wind back support |
US11170353B2 (en) * | 2019-05-01 | 2021-11-09 | Mastercard International Incorporated | Systems and methods for automatic bill enrollment |
US11200545B2 (en) * | 2019-05-10 | 2021-12-14 | Mastercard International Incorporated | Mediator website for authenticating payment entities and supporting dynamic interface objects for payments |
US11551190B1 (en) | 2019-06-03 | 2023-01-10 | Wells Fargo Bank, N.A. | Instant network cash transfer at point of sale |
US11797962B2 (en) * | 2019-06-10 | 2023-10-24 | The Toronto-Dominion Bank | Configuring data transfers based on electronic messages |
US11792612B2 (en) | 2019-06-17 | 2023-10-17 | Telefonaktiebolaget Lm Ericsson (Publ) | Method of updating a background data transfer policy negotiated between an application function and a core network, a policy control function, and an application function |
US11361351B2 (en) * | 2019-06-27 | 2022-06-14 | Hartford Fire Insurance Company | Multi-format electronic invoicing system |
US11481743B2 (en) | 2019-07-15 | 2022-10-25 | Mastercard International Incorporated | Real-time digital cash management solution |
US20230306423A1 (en) * | 2019-08-22 | 2023-09-28 | Wells Fargo Bank N.A. | Apparatuses and methods for immediate payment response |
FR3100901B1 (fr) * | 2019-09-12 | 2021-08-27 | Stmicroelectronics Grand Ouest Sas | Système de protection de la mémoire |
US11861608B2 (en) | 2020-03-17 | 2024-01-02 | Visa International Service Association | Methods and systems for making on-demand payments via an electronic communication |
CN111784342B (zh) * | 2020-06-28 | 2023-08-25 | 广东金宇恒软件科技有限公司 | 一种基于大数据集中支付动态监控管理系统 |
US11995621B1 (en) | 2021-10-22 | 2024-05-28 | Wells Fargo Bank, N.A. | Systems and methods for native, non-native, and hybrid registration and use of tags for real-time services |
US11886417B2 (en) * | 2021-11-04 | 2024-01-30 | Capital One Services, Llc | Systems and methods for enhancing transaction data |
WO2024015721A1 (fr) * | 2022-07-10 | 2024-01-18 | Gupshup Inc., | Système et procédé pour permettre des paiements sur une messagerie |
WO2024102096A1 (fr) * | 2022-11-07 | 2024-05-16 | Turkiye Garanti Bankasi Anonim Sirketi | Message d'information |
Family Cites Families (129)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6019282A (en) | 1991-07-17 | 2000-02-01 | Carreker-Antinori, Inc. | System and method for commingling items destined for multiple payors in a single electronic pocket and financial infrastructure employing the same |
US5383113A (en) | 1991-07-25 | 1995-01-17 | Checkfree Corporation | System and method for electronically providing customer services including payment of bills, financial analysis and loans |
US6289322B1 (en) | 1998-03-03 | 2001-09-11 | Checkfree Corporation | Electronic bill processing |
US5326959A (en) | 1992-08-04 | 1994-07-05 | Perazza Justin J | Automated customer initiated entry remittance processing system |
WO1994009439A1 (fr) | 1992-10-22 | 1994-04-28 | American Express Travel Related Services Company, Inc. | Procede et systeme automatise de regroupement de factures |
US5465206B1 (en) | 1993-11-01 | 1998-04-21 | Visa Int Service Ass | Electronic bill pay system |
US5920847A (en) | 1993-11-01 | 1999-07-06 | Visa International Service Association | Electronic bill pay system |
US6983261B1 (en) | 1995-05-10 | 2006-01-03 | Taxnet Systems, Inc. | System and method for causing multiple parties to be paid from a single credit card transaction |
US5832460A (en) | 1995-06-02 | 1998-11-03 | International Business Machines Corporation | Method and system for bill presentation and payment reconciliation |
US5794221A (en) | 1995-07-07 | 1998-08-11 | Egendorf; Andrew | Internet billing method |
US5659165A (en) | 1995-07-24 | 1997-08-19 | Citibank. N.A. | Customer-directed, automated process for transferring funds between accounts via a communications network |
US6223168B1 (en) | 1995-07-25 | 2001-04-24 | Bottomline Technologies, Inc. | Automatic remittance delivery system |
US5699528A (en) | 1995-10-31 | 1997-12-16 | Mastercard International, Inc. | System and method for bill delivery and payment over a communications network |
FI102860B1 (fi) | 1995-11-07 | 1999-02-26 | Nokia Telecommunications Oy | Menetelmä ja järjestelmä elektronisen maksutapahtuman suorittamiseksi |
EP0865642A2 (fr) | 1995-11-21 | 1998-09-23 | Citibank, N.A. | Systeme de transactions sur le marche des changes |
US6138107A (en) | 1996-01-04 | 2000-10-24 | Netscape Communications Corporation | Method and apparatus for providing electronic accounts over a public network |
US5787402A (en) | 1996-05-15 | 1998-07-28 | Crossmar, Inc. | Method and system for performing automated financial transactions involving foreign currencies |
US5897621A (en) | 1996-06-14 | 1999-04-27 | Cybercash, Inc. | System and method for multi-currency transactions |
US6072870A (en) | 1996-06-17 | 2000-06-06 | Verifone Inc. | System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture |
US5850446A (en) | 1996-06-17 | 1998-12-15 | Verifone, Inc. | System, method and article of manufacture for virtual point of sale processing utilizing an extensible, flexible architecture |
US5931917A (en) | 1996-09-26 | 1999-08-03 | Verifone, Inc. | System, method and article of manufacture for a gateway system architecture with system administration information accessible from a browser |
CA2267951C (fr) | 1996-10-09 | 2003-12-30 | Visa International Service Association | Systeme de presentation electronique de releves comptables |
US6968319B1 (en) | 1996-10-18 | 2005-11-22 | Microsoft Corporation | Electronic bill presentment and payment system with bill dispute capabilities |
US6070150A (en) | 1996-10-18 | 2000-05-30 | Microsoft Corporation | Electronic bill presentment and payment system |
FR2756647B1 (fr) | 1996-12-03 | 1999-01-22 | Soc D Services Interbancaires | Procede de transfert entre plusieurs systemes de quantites exprimees dans des unites de mesure differentes |
US6311170B1 (en) | 1996-12-04 | 2001-10-30 | Mark C. Embrey | Method and apparatus for making payments and delivering payment information |
US5963647A (en) | 1997-02-14 | 1999-10-05 | Citicorp Development Center, Inc. | Method and system for transferring funds from an account to an individual |
US6292789B1 (en) | 1997-08-26 | 2001-09-18 | Citibank, N.A. | Method and system for bill presentment and payment |
GB2330923A (en) | 1997-10-28 | 1999-05-05 | Ibm | Transaction manager |
US5978780A (en) | 1997-11-21 | 1999-11-02 | Craig Michael Watson | Integrated bill consolidation, payment aggregation, and settlement system |
US6119106A (en) | 1997-11-26 | 2000-09-12 | Mersky; Randy | Method and apparatus for facilitating customer payments to creditors from a remote site |
US5930773A (en) | 1997-12-17 | 1999-07-27 | Avista Advantage, Inc. | Computerized resource accounting methods and systems, computerized utility management methods and systems, multi-user utility management methods and systems, and energy-consumption-based tracking methods and systems |
US5943656A (en) | 1997-12-03 | 1999-08-24 | Avista Advantage, Inc. | Methods and systems for computerized bill consolidating, billing and payment authorization, computerized utility bill consolidating, utility billing access and payment and utility provider consolidated billing systems |
US6856974B1 (en) | 1998-02-02 | 2005-02-15 | Checkfree Corporation | Electronic bill presentment technique with enhanced biller control |
US7076465B1 (en) | 1998-04-24 | 2006-07-11 | First Data Corporation | Methods for processing a group of accounts corresponding to different products |
US7050996B1 (en) | 1998-04-24 | 2006-05-23 | First Data Corporation | Method for linking accounts corresponding to different products together to create a group |
US6173272B1 (en) | 1998-04-27 | 2001-01-09 | The Clearing House Service Company L.L.C. | Electronic funds transfer method and system and bill presentment method and system |
US20050192900A1 (en) | 1998-06-08 | 2005-09-01 | Microsoft Corporation | Parcel manager for distributed electronic billing system |
KR20010090836A (ko) | 1998-11-09 | 2001-10-19 | 추후제출 | 통합된 금융 거래를 수행하기 위한 시스템 및 방법 |
US6473740B2 (en) | 1998-11-29 | 2002-10-29 | Qpass, Inc. | Electronic commerce using a transaction network |
US7937325B2 (en) | 1998-12-08 | 2011-05-03 | Yodlee.Com, Inc. | Interactive bill payment center |
FR2790162B1 (fr) | 1999-02-19 | 2001-04-13 | France Telecom | Procede de telepaiement et systeme pour la mise en oeuvre de ce procede |
US6944595B1 (en) | 1999-03-25 | 2005-09-13 | International Business Machines Corporation | Apparatus and method for performing conversion between different units of currency using an encapsulated conversion path of exchange rates |
US8165958B1 (en) * | 1999-03-26 | 2012-04-24 | Metavante Corporation | Electronic bill presentation and payment method and system |
US6363362B1 (en) | 1999-04-07 | 2002-03-26 | Checkfree Services Corporation | Technique for integrating electronic accounting systems with an electronic payment system |
EP1049056A3 (fr) | 1999-04-26 | 2001-06-13 | CheckFree Corporation | Centrale électronique de présentation et / ou de réglement de factures |
CA2375311C (fr) * | 1999-06-24 | 2013-10-01 | Edocs,Inc | Presentation et paiement de facture electronique |
WO2001008066A1 (fr) * | 1999-07-26 | 2001-02-01 | Iprivacy Llc | Achat electronique de biens sur un reseau de communication comprenant une livraison physique tout en assurant la securite des informations privees et a caractere personnel |
EP1077436A3 (fr) | 1999-08-19 | 2005-06-22 | Citicorp Development Center, Inc. | Système et méthode pour effectuer une transaction en-ligne utilisant un titre de paiement à usage unique |
US6578015B1 (en) | 1999-08-31 | 2003-06-10 | Oracle International Corporation | Methods, devices and systems for electronic bill presentment and payment |
US7366696B1 (en) | 1999-10-08 | 2008-04-29 | Checkfree Corporation | Electronic billing with flexible biller controlled electronic bill presentment |
US6510451B2 (en) | 1999-10-14 | 2003-01-21 | Yodlee.Com, Inc. | System for completing a multi-component task initiated by a client involving Web sites without requiring interaction from the client |
US7104440B2 (en) | 1999-10-26 | 2006-09-12 | First Data Corporation | Money transfer systems and methods for travelers |
JP2001195479A (ja) | 2000-01-07 | 2001-07-19 | Sony Corp | 独自通貨管理方法及び独自通貨管理システム、独自通貨と既存通貨間の為替レート算出方法及び為替レート算出システム、既存通貨の重み決定方法及び重み決定システム、プログラム記憶媒体、並びに、データ処理システム |
US7945491B2 (en) | 2000-01-12 | 2011-05-17 | Metavante Corporation | Integrated systems for electronic bill presentment and payment |
US7200551B1 (en) | 2000-02-28 | 2007-04-03 | Telpay, Inc. | Automated bill payment system |
US7756786B2 (en) | 2000-03-29 | 2010-07-13 | Mastercard International Incorporated | Method and system for processing messages in a bill payment and presentment system over a communications network |
WO2001077868A2 (fr) | 2000-04-05 | 2001-10-18 | Ruesch International, Inc. | Systeme, procede et appareil pour transactions financieres internationales |
WO2001084276A2 (fr) | 2000-05-01 | 2001-11-08 | American Express Travel Related Services Company, Inc. | Systeme et procede internationaux de paiement |
US7734543B2 (en) | 2000-05-09 | 2010-06-08 | Metavante Corporation | Electronic bill presentment and payment system |
US20040093269A1 (en) | 2000-05-11 | 2004-05-13 | Wayne Rubin | Multi-level sales and marketing methodology for the internet |
US6892184B1 (en) | 2000-06-19 | 2005-05-10 | E4X Inc. | System and method for multiple currency transactions |
US20010056390A1 (en) | 2000-06-23 | 2001-12-27 | Praveena Varadarajan | Method and system hosting of multiple billers in an internet bill presentment and payment environment |
US20020002537A1 (en) | 2000-06-26 | 2002-01-03 | Richard Bastiansen | Simplified bill paying method |
US7587368B2 (en) * | 2000-07-06 | 2009-09-08 | David Paul Felsher | Information record infrastructure, system and method |
US20030105710A1 (en) | 2000-07-11 | 2003-06-05 | Ellen Barbara | Method and system for on-line payments |
US7996310B1 (en) * | 2000-07-19 | 2011-08-09 | Globys, Inc. | Electronic financial management and analysis system and related methods |
US7206768B1 (en) | 2000-08-14 | 2007-04-17 | Jpmorgan Chase Bank, N.A. | Electronic multiparty accounts receivable and accounts payable system |
US7542943B2 (en) | 2000-10-30 | 2009-06-02 | Amazon Technologies, Inc. | Computer services and methods for collecting payments from and providing content to web users |
WO2002039360A1 (fr) | 2000-11-08 | 2002-05-16 | Orazio Pater | Procede et systeme de paiement electronique |
US20020099656A1 (en) | 2000-11-14 | 2002-07-25 | Poh Wong Kenneth Tien | Electronic funds transfer system for processing multiple currency transactions |
US7702579B2 (en) | 2000-12-19 | 2010-04-20 | Emergis Technologies, Inc. | Interactive invoicer interface |
US8805739B2 (en) | 2001-01-30 | 2014-08-12 | Jpmorgan Chase Bank, National Association | System and method for electronic bill pay and presentment |
US20020103752A1 (en) | 2001-01-30 | 2002-08-01 | Caesar Berger | E-commerce payment solution |
US7752130B2 (en) | 2001-05-31 | 2010-07-06 | Oracle America, Inc. | Methods and systems for delivery of information upon enrollment in an internet bill presentment and payment environment |
IES20010524A2 (en) | 2001-06-01 | 2002-12-11 | Mainline Corporate Holdings | A secure on-line payment system |
JP4009136B2 (ja) | 2001-06-07 | 2007-11-14 | 富士通株式会社 | 課金システム |
GB0124587D0 (en) | 2001-10-12 | 2001-12-05 | Royal Bank Scotland Plc | Data processing system for managing and processing foreign exchange transactions |
US7958049B2 (en) * | 2001-11-01 | 2011-06-07 | Metavante Corporation | System and method for obtaining customer bill information and facilitating bill payment at biller websites |
US7370014B1 (en) | 2001-11-01 | 2008-05-06 | Metavante Corporation | Electronic bill presentment and payment system that obtains user bill information from biller web sites |
GB0130107D0 (en) | 2001-12-17 | 2002-02-06 | Webster Paul | On-Line payments system |
RU2192049C1 (ru) * | 2001-12-26 | 2002-10-27 | Гаврилов Сергей Анатольевич | Способ распространения рекламно-информационных сообщений (варианты) |
US8407143B2 (en) | 2002-03-27 | 2013-03-26 | The Western Union Company | International negotiable instrument payment |
US20030204457A1 (en) | 2002-04-26 | 2003-10-30 | Arias Luis A. | Payee account payment system |
US8751384B2 (en) | 2002-05-08 | 2014-06-10 | Metavante Corporation | Integrated bill presentment and payment system and method of operating the same |
CA2489729A1 (fr) | 2002-06-18 | 2003-12-24 | Mastercard International Incorporated | Systeme et procede pour la presentation et le paiement integres de factures electroniques |
US20040128240A1 (en) | 2002-10-07 | 2004-07-01 | Yusin Wendy E. | Method and system for managing financial transactions |
US20040139010A1 (en) | 2002-11-01 | 2004-07-15 | Mcmichael William R. | Reduced communication technique for matching electronic billers and consumers |
US7395243B1 (en) | 2002-11-01 | 2008-07-01 | Checkfree Corporation | Technique for presenting matched billers to a consumer |
US7526448B2 (en) | 2002-11-01 | 2009-04-28 | Checkfree Corporation | Matching consumers with billers having bills available for electronic presentment |
WO2004056111A1 (fr) | 2002-12-16 | 2004-07-01 | Tgcorp | Systeme et procede de paiement pour commerce electronique par radiodiffusion numerique |
US7003493B2 (en) | 2003-01-22 | 2006-02-21 | First Data Corporation | Direct payment with token |
US20040225609A1 (en) | 2003-03-13 | 2004-11-11 | Andrew Greene | Electronic bill presentation and payment system |
US7805366B2 (en) | 2003-03-21 | 2010-09-28 | Ebay Inc. | Method and system to facilitate payments to satisfy payment obligations resulting from purchase transactions |
US20040210520A1 (en) | 2003-04-02 | 2004-10-21 | Fitzgerald Daleen R. | Bill payment payee information management system and method |
US20040215560A1 (en) | 2003-04-25 | 2004-10-28 | Peter Amalraj | Integrated payment system and method |
US20040230526A1 (en) | 2003-05-13 | 2004-11-18 | Praisner C. Todd | Payment control system and associated method for facilitating credit payments in the accounts payable environment |
US7689483B2 (en) | 2003-05-20 | 2010-03-30 | Amegy Bank of Texas | System to facilitate payments for a customer through a foreign bank, software, business methods, and other related methods |
US7930248B1 (en) * | 2003-06-30 | 2011-04-19 | Checkfree Corporation | Technique for calculating payee specific time to payment completion |
US20050015338A1 (en) | 2003-07-16 | 2005-01-20 | Lee Lawrence Weekhar | Electronic Statement Organizer with User Interface and Integrated Bill Payment |
US20050075979A1 (en) | 2003-10-02 | 2005-04-07 | Leavitt Stacy A. | System and method for seller-assisted automated payment processing and exception management |
JP2005115741A (ja) | 2003-10-09 | 2005-04-28 | Nec Corp | 海外送金システム及び海外送金サービスサーバ |
US8364584B2 (en) | 2003-11-20 | 2013-01-29 | Paymentech, Llc | Dynamic currency conversion system and method |
US8660950B2 (en) | 2004-04-16 | 2014-02-25 | Wells Fargo, N.A. | System and method for bill pay with credit card funding |
US20060015453A1 (en) | 2004-07-14 | 2006-01-19 | Mani Kulasooriya | Systems and methods for implementing person-to-person international money exchanges |
US20060015452A1 (en) | 2004-07-14 | 2006-01-19 | Mani Kulasooriya | Systems and methods for implementing account-to-account international money exchanges |
US7627524B2 (en) | 2004-12-31 | 2009-12-01 | U.S. Payments, Llc | System, method, and computer program product for receiving and processing payments |
US10719859B2 (en) | 2005-01-28 | 2020-07-21 | Wells Fargo Bank, N.A. | Electronic bill pay and bill presentment account number treatment system and method |
US20060195395A1 (en) | 2005-02-28 | 2006-08-31 | Checkfree Corporation | Facilitating electronic payment on behalf of a customer of electronic presented bills |
US20060195397A1 (en) | 2005-02-28 | 2006-08-31 | Checkfree Corporation | Centralized electronic bill presentment |
US7523068B2 (en) | 2005-05-13 | 2009-04-21 | Microsoft Corporation | Centralized payment processing system |
US20070100749A1 (en) | 2005-10-28 | 2007-05-03 | Deepa Bachu | Online bill payment management and projected account balances |
US7587364B2 (en) | 2006-03-24 | 2009-09-08 | Sap Ag | Systems and methods for bank determination and payment handling |
US20090292619A1 (en) * | 2006-04-03 | 2009-11-26 | Gershon Kagan | Method for universal electronic payment processing |
US7716132B1 (en) | 2006-04-11 | 2010-05-11 | Intuit Inc. | Mechanism for express enrollment of a user with an online bill payment service |
US20080046363A1 (en) | 2006-08-16 | 2008-02-21 | Sbc Knowledge Ventures, L.P. | Automated bill payment |
US7917435B2 (en) | 2006-08-17 | 2011-03-29 | Mastercard International Incorporated | Apparatus and method for facilitating account restructuring in an electronic bill payment system |
US9773262B2 (en) | 2006-08-17 | 2017-09-26 | Mastercard International Incorporated Purchase | Integrated file structure useful in connection with apparatus and method for facilitating account restructuring in an electronic bill payment system |
US7606766B2 (en) | 2006-12-21 | 2009-10-20 | American Express Travel Related Services Company, Inc. | Computer system and computer-implemented method for selecting invoice settlement options |
US20080288400A1 (en) | 2007-04-27 | 2008-11-20 | Cashedge, Inc. | Centralized Payment Method and System for Online and Offline Transactions |
RU68730U1 (ru) * | 2007-07-18 | 2007-11-27 | Общество с ограниченной ответственностью "НПФ "Традиция" | Мультисервисная справочно-информационная система |
US20090076934A1 (en) * | 2007-09-19 | 2009-03-19 | Hamed Shahbazi | Personalized customer transaction system |
US10679196B2 (en) | 2007-09-28 | 2020-06-09 | The Western Union Company | Bill payment aggregation service |
US20090244600A1 (en) | 2007-11-27 | 2009-10-01 | Todd Haycock | Billing and remittance payment system |
US20090171839A1 (en) | 2007-12-28 | 2009-07-02 | Rosano Sharon A | Systems and methods for processing recurring payment transactions |
US10970777B2 (en) | 2008-09-15 | 2021-04-06 | Mastercard International Incorporated | Apparatus and method for bill payment card enrollment |
US8290865B2 (en) | 2009-02-06 | 2012-10-16 | Visa International Service Association | Push payment system and method including billing file exchange |
WO2010138969A1 (fr) | 2009-05-29 | 2010-12-02 | Boku, Inc. | Systèmes et procédés pour planifier des transactions |
US20120197788A1 (en) | 2011-01-31 | 2012-08-02 | Mastercard International Incorporated | Transaction processing engine for bill payment transactions and the like |
-
2011
- 2011-02-11 US US13/025,304 patent/US8595134B2/en active Active
- 2011-02-11 RU RU2012137949/08A patent/RU2581784C2/ru active
- 2011-02-11 EP EP11742854.0A patent/EP2534622A4/fr not_active Withdrawn
- 2011-02-11 WO PCT/US2011/024498 patent/WO2011100529A1/fr active Application Filing
-
2013
- 2013-11-25 US US14/089,223 patent/US9824342B2/en active Active
Non-Patent Citations (1)
Title |
---|
No further relevant documents disclosed * |
Also Published As
Publication number | Publication date |
---|---|
US8595134B2 (en) | 2013-11-26 |
RU2012137949A (ru) | 2014-03-20 |
US20140156520A1 (en) | 2014-06-05 |
US9824342B2 (en) | 2017-11-21 |
US20110251952A1 (en) | 2011-10-13 |
RU2581784C2 (ru) | 2016-04-20 |
EP2534622A1 (fr) | 2012-12-19 |
WO2011100529A1 (fr) | 2011-08-18 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
EP2534622A4 (fr) | Appareil et procédé de présentation et de paiement de factures | |
IL261822B (en) | Payment system and method | |
GB2556738B (en) | Currency bill processing device and method | |
EP2558990A4 (fr) | Procédé et appareil pour fournir un paiement automatisé | |
EP2831822A4 (fr) | Appareil et procédé de paiement | |
SG2014011803A (en) | Apparatus and method for collecting and manipulating transaction data | |
EP2734970A4 (fr) | Procédé et appareil de fourniture d'un service relatif à une transaction | |
AP2014007582A0 (en) | Transaction payment method and system | |
EP2627244A4 (fr) | Procédé et appareil de détection de crise épileptique | |
ZA201207359B (en) | Method and apparatus for checking value documents | |
EP2920771A4 (fr) | Dispositif permettant de recevoir et de distribuer des billets, et procédé permettant de recevoir et de distribuer des billets | |
EP2756441A4 (fr) | Appareils et procédés destinés à prévenir l'altération de pages web de paiement | |
SG11201400892WA (en) | A system and a method for purchasing electronic vouchers | |
GB2492594B (en) | Tow placement apparatus and methods | |
AP2013007185A0 (en) | System and method for rule-based presentment and payment of bill or invoices | |
EP2800070A4 (fr) | Dispositif de règlement en argent, système de transaction en argent et procédé de transaction en argent | |
GB0921500D0 (en) | Method and system for bill payment using voice based authorisation | |
GB2484009B (en) | Method and apparatus for vending clothes | |
TWM370139U (en) | Bill integration and payment apparatus | |
EP2690571A4 (fr) | Appareil de délivrance de permis et procédé de délivrance de permis | |
IL233013A0 (en) | A system and method for carrying out financial transactions | |
EP2776824A4 (fr) | Procédé et appareil d'authentification d'objets solides | |
GB201012810D0 (en) | System and method for secure wireless payment transactions | |
GB201012811D0 (en) | System and method for secure wireless payment transactions | |
AU2011904398A0 (en) | Payment method and apparatus |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
PUAI | Public reference made under article 153(3) epc to a published international application that has entered the european phase |
Free format text: ORIGINAL CODE: 0009012 |
|
17P | Request for examination filed |
Effective date: 20120911 |
|
AK | Designated contracting states |
Kind code of ref document: A1 Designated state(s): AL AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HR HU IE IS IT LI LT LU LV MC MK MT NL NO PL PT RO RS SE SI SK SM TR |
|
DAX | Request for extension of the european patent (deleted) | ||
RA4 | Supplementary search report drawn up and despatched (corrected) |
Effective date: 20150617 |
|
RIC1 | Information provided on ipc code assigned before grant |
Ipc: G06Q 20/00 20120101AFI20150611BHEP |
|
STAA | Information on the status of an ep patent application or granted ep patent |
Free format text: STATUS: EXAMINATION IS IN PROGRESS |
|
17Q | First examination report despatched |
Effective date: 20180301 |
|
STAA | Information on the status of an ep patent application or granted ep patent |
Free format text: STATUS: EXAMINATION IS IN PROGRESS |
|
STAA | Information on the status of an ep patent application or granted ep patent |
Free format text: STATUS: THE APPLICATION HAS BEEN WITHDRAWN |
|
18W | Application withdrawn |
Effective date: 20211105 |